Looking for a safe and accessible way to start your credit journey? The FIT Mastercard Platinum offers an initial credit limit of up to $400 and reports to all three major credit bureaus every month — helping you build a strong credit history from the ground up.
It’s a card built for real life: use it anywhere Mastercard is accepted, track your score monthly, and manage your account online or via mobile. Plus, you’ll benefit from Mastercard Zero Liability Protection, so you can shop with confidence knowing you’re covered.
About the bank – The Bank of Missouri
Founded in 1891, The Bank of Missouri is a reliable, community-focused financial institution managing over $2.9 billion in assets. With a legacy of more than a century, the bank is committed to helping people achieve their financial goals with trust and flexibility.
The FIT Mastercard is issued by The Bank of Missouri and serviced by Continental Finance, a leading credit card servicer with over 2.6 million cards managed.
How this card works
The FIT Mastercard is a simple and effective credit-building card. You may qualify for an initial credit limit of up to $400, and your payment history is reported monthly to TransUnion, Equifax, and Experian.
As a Mastercard Platinum cardholder, you’ll also enjoy essential protections like Zero Liability, extended fraud coverage, and universal acceptance wherever Mastercard is accepted — online or in person.
Requirements to apply for this credit card
- Must be at least 18 years old
- U.S. resident with a physical address (P.O. boxes not accepted)
- Valid Social Security Number
- Acceptable credit profile (even with limited or challenged credit)
- Must not currently hold an active FIT Mastercard
Card fees
- Annual fee: May apply depending on credit profile
- Monthly maintenance fee: May apply (check terms before applying)
- APR: Variable, determined during application
- Late payment fee: Applies if payment is missed
- No security deposit required
Apply for your card online
- Go to the official FIT Mastercard application page
- Enter your full name, SSN, address, and date of birth
- Submit your monthly income and other required details
- Receive an instant decision in most cases
- If approved, your card ships within 3 business days
Get approved today!
Whether you’re building your credit for the first time or repairing it after a setback, the FIT Mastercard gives you the tools and protections you need to move forward. With a starting credit line, monthly score updates, and fraud protection, it’s built for growth.
Ready to take control of your financial future? Apply now and get the support you need — right from your first swipe.